Help!!!!

mandragora_2

TASHAandKRISTIAN wrote: »

:beer:
thts great. thnx 4 all ur advice, i COMPLETELY forgot about freecycle!!:rolleyes::p:rotfl: my mum uses freecycle and they are a BIG help. i'm already on payg but its more expensive than a bloody contract phone lol! as i dont have a house phone, i rely on my mobile so it is costing 40 pound a month on top ups anyway and i'm !!!!!!ed if i aint got the cash. :mad:
does anyone on here know ALL the benefits i am entitled to?? as, like i mentioned before, with job centre and every where, it seems right hand doesnt talk to the left. thanx again for all your help and advice. ur all amazing! btw, I'M A GREASY PALMER!! lol! only got £2.50 but....its a start!:p:beer::j:rotfl::T:D

Check out entitledto.com and also this forum on the MSE site - do a good trawl, then, if there's any questions, or you still feel you'd like help or support, start a thread on there:
http://forums.moneysavingexpert.com/showthread.html?t=197978

TASHAandKRISTIAN

lol gud advice mckneff, but unfortunatly all the calls i make are to health visitors and job centre etc trying to chase them up and to get help, to no avail lol

digitalphase

TASHAandKRISTIAN wrote: »

i did apply for a barclay card initial and i was refused

I think Barclaycard Initial requires you to earn a minimum of 10k a year, and I presume you don't earn that on benefits?

TASHAandKRISTIAN

no, i wish tho lol! onli get just over 15,if tht!! lol

Ammie

Hiya,

Have you tried one of those charities that supply people on benefits furniture for free or at a very, very low cost? Some people scoff but you can get quality 2nd hand furniture and sometimes ex catalogue items that have been donated.

These charities don't accept junk so you wouldn't be getting something that will fall apart in a couple of weeks.

Have you considered applying for a budgeting loan from the social? I think the max at the moment is £1500.

ILW

I will get stick for this, but why is the father of your child not supporting you and his offspring?

ElkyElky

It's best to take their advice and stay clear of credit cards, for the moment at least. It really is quite difficult to juggle credit card bills, amongst other bills while on benefit, having a child will make it much harder.

It's hard to survive off the very little money you get in benefits and having debt added to that will only spell trouble.

However, if you are really determined to get a credit card, try applying for a Vanquis card which targets people in your situation, but the interest rates will be quite high.

TASHAandKRISTIAN

My Partner is searching for work at the moment, as am I. but as he is doing his mechanics course at college, he doesn't quite know how to juggle exams, revision AND being a father lol! (men for ya) but thank you all, I did apply for a vanquis card but I am still waiting to hear from them does anyone know how long it can take??

katie1

debtdestroyer007 wrote: »

oh yeah.... just make sure you check your credit file first.... so that there are no nasties present
you can get a free report
www.annualcreditreport.co.uk - its equifax based though

good luck

Thankyou for this link debtdestroyer, i have just looked and i have a court judgement on mine that had nothing to do with me (at least i havent be told about it ) . I am in the process of ringing round trying to find out what it is and where from .
Does anyone know how easy it is to get this off my file ???

Noahnewby

debtdestroyer007 wrote: »

oh yeah.... just make sure you check your credit file first.... so that there are no nasties present
you can get a free report
www.annualcreditreport.co.uk - its equifax based though

good luck

If this is as good as it looks - Why does Martin not mention it on the main site? Not criticising, just can't understand why there is no mention of it as far as I am aware.